Deposit a portion of your income in a savings or retirement account. Don't accumulate new debt, and pay off any debt you currently have. Establish a realistic timeframe for your savings goals. Create a budget and keep track of all your expenses. Invest in the stock market only if you understand the ins and outs of the gambles you make.

Spend money only on the essentials, and look for cheaper options where available, from housing to food, transportation, or energy usage. Save for an emergency fund. Spend money on luxuries only occasionally.

Featured Articles Managing Your Money. This version of How to Save Money was reviewed by Michael R. Lewis on March 11, Community Dashboard Random Article About Us Categories Recent Changes. Write an Article Request a New Article Answer a Request More Ideas The easiest way to save money rather than spending it is to make sure that that you never get a chance to spend the money in the first place. Arranging for a portion of each paycheck to be deposited directly into a savings account or a retirement account takes the stress and tedium out of the process of deciding how much money to save and how much to keep for yourself each month — basically, you save automatically and the money you keep each month is yours to spend as you please.

Over time, depositing even a small portion of each paycheck into your savings can add up especially when you take interest into account so start as soon as you can for maximum benefit. To set up an automatic deposit, talk to the payroll staff at your job or, if your employer uses one, your third-party payroll service. If you can provide account information for a savings account separate from your basic checking account, you should generally be able to set up a direct deposit scheme with no problems.

If for some reason you can't set up an automatic deposit for each paycheck like if you support yourself with freelance work or are paid mostly in cashdecide on a specific cash amount to manually deposit into a savings account each month and stick to this goal.

Avoid accumulating new debt. Some debt is essentially unavoidable. For instance, only the very rich have enough money to buy a house in one lump sum payment, yet millions of people are able to buy houses by taking out loans and slowly paying them back. However, in general, when you can avoid going into debt, do so.

Paying a sum of money up-front is always cheaper in the long run than paying off an equivalent loan while interest accumulates over time. If taking out a loan is unavoidable, try to make as big of down payment as possible. The more of the cost of the purchase you can cover up front, the quicker you'll pay off your loan and the less you'll spend on interest.

Set reasonable savings goals. It's a lot easier to save if you know you have something to save for. Set yourself savings goals that are within your reach to motivate yourself to make the tough financial decisions needed to save responsibly. For serious goals like buying a house or retiring, your goals may take years or decades to achieve. In these cases, it's important to monitor your progress on a regular basis.

Only by stepping back and taking a look at the big picture can you get a sense for how far you've come and how far you have left to go. Big goals, like retirement, take a very long time to achieve. In the time needed to reach these goals, financial markets are likely to be different than they are today. You may need to spend some time researching the predicted future state of the market before setting your goal.

Establish a time-frame for your goals. Giving yourself ambitious but reasonable time limits for achieving your goals can be a great motivational tool.

For example, let's say that you set a goal of being on your way to owning a house two years from today. Depending on how much you make, this may or may not be feasible. Setting time frames is especially important for essential short-term goals. For instance, if your car's transmission needs to be replaced, but you can't afford the new transmission, you'll want to save up the money for the replacement as quickly as possible to ensure you're not left without a way to get to work.

An ambitious but reasonable time frame can help you achieve this goal.

It's easy to commit to ambitious savings goals, but if you don't have any way to keep track of your expenses, you'll find that it's difficult to achieve them. To keep your financial progress on-track, try budgeting out your income at the beginning of each month. Assigning a set portion of your income to all of your major expenses ahead of time can help ensure that you don't waste money, especially if you actually divide each paycheck according to your budget as soon as you get it.

Keeping a tight budget is a must for anyone looking to save money, but if you don't keep track of your expenses, you may find that it's difficult to stick to your goals. Keeping a running tally of how much you've spent on various types of expenses each month can help you identify "problem" areas and adjust your spending habits to fit your budget.

However, keeping track of your expenses can require a serious attention to detail. While everyone should keep track of major expenses like housing and debt repayment, the amount of attention you devote to minor expenses generally increases with the seriousness of your financial situations.

It can be handy to keep a small notebook with you at all times. Get in the habit of recording every expense and saving your receipts especially for major purchases.

When you can, enter your expenses in a larger notebook or a spreadsheet program for your long-term records. Note that, today, there are many apps you can download to your phone that can help you keep track of your expenses some of which are free.

If you have serious spending problems, don't be afraid to save every single receipt. At the end of the month, divide your receipts into categories, then tally each up.

You may be shocked how much money you spend on purchases that are far from essential. Double check all payment amounts. Always ask for the receipt when making a purchase in-person, and always print off a copy of any online purchases that you make. Let's say you're at a bar with your friends and one of them orders margaritas for the group; make sure they don't end up going on your card. Don't split the bill just for the sake of convenience. Consider downloading a phone app to help you more accurately calculate tips.

Start saving as early as possible. Money that's squirreled away in savings accounts usually accumulates interest at a set percentage rate. The longer your money remains in the savings account, the more interest you accumulate.

Thus, it's in your advantage to start saving as soon as you possibly can. Even if you're only able to contribute a tiny amount to your savings each month when you're in your twenties, do so. Relatively small amounts of cash left in interest-yielding accounts for long periods of time can eventually accumulate to several times their initial value. Consider contributing to a retirement account.

During the years when you're young, energetic, and healthy, retirement can seem so far away that it's almost not worth even thinking about. By the time you're older and begin to lose steam, it can be all that you think about.

Unless you're one of the lucky few who stand to inherit serious wealth, saving for retirement is something you'll need to think about once you establish a stable career — the sooner, the better. If you haven't already done so, talk to your employer about the possibility of contributing to a k.

These retirement accounts allow you to automatically deposit a set amount of each paycheck in the account, making saving easy. Additionally, the money you deposit into a k is often not subject to the same taxes as the rest of the money in your paycheck. Finally, many employers offer proportional matching programs with their k services, meaning that they'll match a certain percentage of each payment.

Make stock market investments cautiously. If you've been saving responsibly and have a little extra money at your disposal, investing in the stock market can be a lucrative but risky opportunity to make extra money. Before investing in stocks, it's important to understand that any money you invest in the stock market can potentially be lost for good, especially if you don't know what you're doing, so don't use this as a method for long-term saving.

Instead, treat the stock market as a chance to essentially make educated gambles with money you can stand to lose. In general, most people don't need to invest in the stock market at all to responsibly save for retirement. When you're having trouble saving money, it's easy to lose your nerve. Your situation may seem hopeless — it may seem almost impossible to save up the money you need to meet your long-term goals.

However, no matter how little you're starting with, it's always possible to begin saving money. The sooner you start, the sooner you can be on your way to financial security. If you're discouraged about your financial situation, consider talking to a financial counseling service. These agencies, which often operate for free or very cheap, exist to help you begin saving so that you can meet your financial goals. The National Foundation for Credit Counseling NFCCa non-profit organization, is a great place to start.

Remove luxuries from your budget. If you're having trouble saving money, it's wise to start here. Many of the expenses that we take for granted are far from essential. Eliminating luxury expenses is a great first step to improve your financial situation because this won't impact your quality of life or your ability to perform your work significantly. While it can be difficult to imagine life without a gas-guzzling car and a cable TV subscription, you may be surprised how easy it is to live without these things once you remove them from your life.

Below are a just a few easy ways to reduce your luxury expenses: Unsubscribe from optional television or internet packages. Switch to a thriftier service plan for your phone. Trade in an expensive car for one that is fuel-efficient and cheap to maintain. Sell any electronic gadgets going unused. Buy clothing and home furnishings from thrift stores.

For most people, costs related to housing make up the single biggest expense in their budget. Because of this, saving money housing can free up a substantial amount of your income for other important activities, like saving for retirement. While it's not always easy to change your living situation, you'll want to seriously re-examine your housing situation if you're having a hard time balancing your budget.

If you're renting, you may want to try negotiating with your landlord for a cheaper rent. Since most landlords want to avoid the risk that comes with looking for new tenants, you may be able to get a better deal if you have a good history with your landlord.

If need to, you may be able to exchange work like gardening or maintaining the house for cheaper rent. If you are paying a mortgage, talk to your lender about refinancing your loan. You may be able to negotiate for a better deal if you're in good standing. When refinancing, try to keep the repayment schedule as short as possible.

You may also want to consider moving to a cheaper housing market altogether. According to a recent study, the cheapest housing markets in the U. Many people spend much more on food than is necessary.

While it's easy to forget to be thrifty when you're biting into a gourmet meal at your favorite restaurant, food-related expenses can become quite large if allowed to get out of control. In general, buying in bulk is cheaper in the long run than buying small quantities of food — consider getting a membership at a warehouse retailer like Costco if your megaphone formation stock market expenses are high.

Buying individual meals at restaurants is the most expensive option of all, so making an effort to eat in rather than eat out can also xml schema versioning strategy you lots of cash.

Pick cheap, nutritious foods. Rather than buying prepared, processed foods, try checking out the fresh food and produce aisles of your local grocery store. You may be surprised vanguard total stock market index fund or etf cheap it is to eat healthy! For instance, brown rice, a filling, nutritious food, can come in large, twenty-pound sacks for less than a dollar per pound.

Take advantage of discounts. Many grocery stores especially large chains give out coupons and discounts at the check-out counter. Don't let these go to waste! If you frequently go out to eat, stop. It's generally much cheaper to cook a meal at home than it is to order an equivalent dish in a restaurant. Regularly cooking your own food also teaches you a valuable skill you can use to entertain friends, satisfy your family, and even attract romantic interests. Don't be afraid to take advantage of local free food resources if your situation is serious.

Food banks, soup kitchens, and shelters can all provide meals for free to those in need. If you need help, contact your local Department of Social Services for more information. Reduce your energy usage.

Most people accept the price on their utility bill each month without question. In fact, it's possible to greatly reduce your energy usage and thus your monthly bill with just a few simple steps. These tricks are so easy that there's practically no reason to avoid them if you're looking to save money. Best of all, reducing the amount of energy you use also reduces the amount of pollution you indirectly produce, minimizing your impact on the global environment. Turn off the lights when you're not around.

There's no reason to leave the lights on if you're not in the room or in the houseso flip them off when you leave. Try leaving a sticky note by the door if you're having a hard time remembering.

To stay cool, open your windows or use a small personal fan. To stay warm, wear several layers of clothing, wear a blanket, or use a space heater.

Invest in good insulation. If you can afford to pay for a substantial home improvement project, replacing old, leaky insulation in your walls with high-efficiency modern insulation can save you money in the long run by keeping your house's warm or cool internal air from escaping. If you can, invest in solar panels. As a serious investment in your own future as well as the planet'ssolar panels are the way to go. Though the up-front cost can be quite high, solar technology becomes cheaper with each passing year.

Use cheaper forms of transportation. Owning, maintaining, and running a car can eat up a large portion of your income. Depending on how much you drive, fuel can cost you hundred of dollars per month.

On top of this, your car will also cost you in licensing fees and maintenance expenses. Instead of driving, use a cheap or free alternative option instead. Not only will this save you money, but also potentially allow you to spend extra time exercising and cut down on the stress from your daily commute. Investigate public transit options near you. Depending on where you live, you may have a variety of cheap options for public transit at your disposal. Most big cities will have metro, subway, or streetcar lines running in and out of the city, microsoft stock market symbol lookup /trading/symbol-lookup.php mid-sized towns can have bus or train systems for you to use.

Consider walking or biking to work. If you live close enough to your job for this to be feasible, both are excellent ways to get to work for free while simultaneously getting fresh air and exercise. Consider booking flights and train tickets in advance online, to not only save time but to also save money. Often 'Early bird' deals exist for those booking early. If taking a car is unavoidable, consider carpooling. Doing this allows you to share fuel and maintenance expenses with the other members of the carpool.

Plus, you'll have someone to talk to during your commute.

Have fun for cheap or free. While reducing your personal expenses can mean cutting frivolous luxuries out of your life, you don't necessarily have to stop having fun if you're trying to save money.

Changing your leisure habits and recreational activities to more affordable ones allows you to strike the perfect balance between fun and responsibility. You may be amazed at the amount of fun you can have for just a few dollars if you're resourceful!

Keep up-to-speed on community events. Today, most towns and cities will have an online events calendar listing upcoming events in the local area. Often, events put on by the local government or community associations will be cheap or even free. For instance, in a medium-sized town, it's often possible to explore free art exhibitions, see movies in a local park, and attend donation-based community rallies. Compared to movies and video games, books are cheap especially if you buy them at a used bookstore.

Good books can be absolutely captivating, allowing you to experience life through the eyes of exciting characters or learn new things you might otherwise never have encountered. Enjoy cheap activities with friends. There are almost no end to the amount of things you can do with your friends that require little or no money. For instance, try going on a hike, playing a board game, catching an old movie at a cheap second-run theater, exploring part of town you've never been to, or playing sports.

Certain bad habits can put a serious damper on your efforts to save money. In worst-case scenarios, these habits can become serious addictions which are almost impossible to defeat without help. Worse yet, many of these addictions can be extremely hazardous to your health in the long term. Save your wallet and your body the trouble of going through these addictions by avoiding them in the first place.

Today, the harmful effects of smoking are well-known. Lung cancer, heart disease, stroke, and a variety of other serious illnesses are known to be caused by smoking. While a drink or two with friends won't hurt you, regular heavy drinking can cause serious problems in the long run, like liver disease, impaired mental function, weight gain, delirium, and even death.

Forex expert advisor macd do addictive drugs.

Essex biodiversity offsetting strategy like heroin, cocaine, and methamphetamine are extremely addictive and can have a variety of seriously harmful even lethal effects on your health and how to trade in nifty futures with example be much more expensive than alcohol and tobacco.

Several relevant hotlines are listed here. Spend money on absolute essentials first. When it comes to spending money, there are some things that you absolutely, positively cannot do without. These things namely, food, water, housing, and clothing are your first priority when it comes to spending your cash. Obviously, if you become homeless or suffer from starvation, it becomes very, very difficult to meet the rest of your financial goals, so you'll want to ensure that you have enough money to cover these bare minimum requirements before devoting money to anything else.

However, just because things like food, water, and shelter are important doesn't necessarily mean that you have to splurge on mb trading futures commissions. For instance, cutting down on the amount that you go out to eat is one easy way to drastically reduce your food expenses.

Along the same lines, moving to an area with cheap rent or home prices is a great way to spend less on housing. Depending on where you live, housing costs can eat up a large chunk of your income. In general, most experts recommend against agreeing to any housing arrangement that will cost more than one-third of your income. If you don't already have an emergency fund with enough money in it so that you can survive if you suddenly lose your income, begin contributing foreign exchange rate thai baht one immediately.

Having a reasonable amount of money stockpiled in a secure savings account gives you the freedom to comfortably sort out your affairs in the event that you lose your job. After you cover your essentials, you'll want to devote a chunk of your income to building up this savings account until you have enough saved to cover about months of living expenses.

Note that living expenses can vary based on the local financial climate. If you live in an expensive area, your emergency fund will naturally need to bigger. Besides giving you the peace of mind of knowing that you'll be OK in the event of career difficulties, having an emergency fund can also earn you money in the long run.

If you lose your job and you don't have an emergency fund, you may be forced to take the very first job you're offered, even if it doesn't pay well. On the other hand, if you can survive without working for a while, you can afford to be much pickier and potentially land a better-paying job. Pay off your debt. Left unchecked, debt can seriously is vz a good stock to buy your efforts to save money.

If you're only making the minimum payments on your debt, you'll end up paying much more over the life of the loan than if you had paid it off pro stock hockey sticks ebay quickly. Save money in the long-term by devoting a good chunk of your income to debt payment so that you can pay off your debt as quickly as possible.

As how much money can you gift without being taxed general rule, paying off your highest-interest loans first is the most effective use of your money. Once you've covered your essentials and built up a reasonable-sized emergency fund, you can safely devote almost all of your extra income to paying off your debt. On the other hand, if you don't have an emergency fund, you may have to split your extra income up so that you use a portion to pay off your debt each month while simultaneously diverting some into your emergency fund.

If you have multiple sources of debt that are proving overwhelming, look into consolidating your debts. It may be possible to roll all of your debts into one loan with a lower interest rate.

It's important to note, however, that the repayment schedules for these consolidated loans can be longer than those for your initial debt.

How Much Money Can You Inherit Before You're Taxed? - Budgeting Money

You may also want to try negotiating with your lender directly for a lower how to make money fast in wow mop rate.

For more information, see How to Get Out of Debt. Put away money next. If you've established an emergency fund and paid off all or nearly all of your debt, you'll probably want to start putting your extra money in a savings account.

The money you save this way is different from your emergency fund — whereas you'll want to avoid dipping into your emergency fund unless you absolutely have to, your normal savings are available for big, important purchases, like repairs to the car you use to drive to work.

However, in general, you'll want to avoid using your savings so that, over time, your total savings grow. To avoid this, deposit your savings into an account as soon as you get paid. This practice can help you avoid unnecessary spending and accumulate a good amount of money over the years. An even better idea is to automate as much of the saving process as possible so that you don't even have the tempting money to begin with.

For instance, talk to your employer about setting up an automatic deposit system through your bank or with a third-party app. This way, you can transfer a set amount or percentage of earnest money agreement florida paycheck to a checking or savings account without having to make any extra effort.

Spend on smart non-essentials. If, after adding a healthy amount of your income to your savings each month, you have extra money left over, you should consider making certain non-essential investments that can improve your productivity, earning potential, and quality of life in the long run.

While these types of purchases aren't essential in the way that food, water, and housing are, they are smart long-term choices that can end up saving you money over time. For example, buying an ergonomic chair to sit in while you work isn't absolutely essential, but it is a smart long-term choice because it allows you to do more work while minimizing back pain which, coincidentally, can be expensive to treat if it develops into a serious problem.

Another example is replacing your home's old, troublesome water heater. While the old one may have sufficed in the short term, buying a new one means you won't have to spend money on repairs when the old one breaks, saving money in the long run. Other examples include purchases that allow you to get to work for cheaper, like monthly or yearly public transit passes, tools that help you work more effectively, like a phone headset if you're in a job that occupies your hands, and purchases that make it easier for you to work, like posture-improving gel inserts for your shoes.

Spend on luxuries last. Saving money isn't all about living hard and lean. When you've paid off your debt, established an emergency fund, and spent money on smart purchases that pay off in the long term, it's OK to spend a little money on yourself.

Healthy, responsible luxury spending is one way to stay sane while working hard, so don't be afraid to celebrate getting your financial situation in order with a reasonable luxury purchase. Luxuries include anything that's not an essential good or service and provides little or no long-term benefit. This broad category can include things like trips to expensive restaurants, vacations, new vehicles, cable television, pricey gadgets, and much more.

Help Saving Money Sample Low Income Budget. Sample High Income Budget. Ways to Save Money. How can a student get money quickly? Your best bet is to get a part time job. You can also sell items that you don't use, save any money you get as a gift, and try to cut down your monthly spending on things like food and entertainment.

Not Helpful 7 Helpful How can I get rich while still young? For example, if you get pocket money, don't waste it on things you rarely use or need. Not Helpful 17 Helpful How can I not get discouraged easily while trying to save money? Put your savings into a little container and attach a note to it to remind yourself of how much you want to save. Make the note colorful, or maybe have a little bar you can fill up with sharpie until you reach your goal.

This will help keep it fun and interesting. Not Helpful 18 Helpful Ask your parents if you can sell your old toys that you don't want anymore, then put that money away.

See if your parents will agree to pay you for chores, if they don't already. Offer to rake yards or shovel snow in your neighborhood for a modest fee. Not Helpful 6 Helpful How can I save money when I just love buying clothes so much, and I need so many clothes for every occasion?

Start with making that distinction. You'll find clothes you haven't seen in a while, and you'll begin to pair them. Also, don't take a credit card with you when you go to the mall or certain favorite stores, so you won't be tempted to charge things you want but don't actually need. Not Helpful 9 Helpful How do I save money when I spend it all every month? In time, you will have accustomed to the money being gone.

Not Helpful 4 Helpful What is the fastest way to save money on a monthly income? Set up an automatic monthly deposit of part of your paycheck into a savings or investment account so that you never even see the money before it's saved. Not Helpful 3 Helpful How much should I put into savings if I get paid weekly, but have bills and debt that I would like to pay off at the same time as well?

You can put a percentage of your weekly payment away, or set a fee or goal you must meet every month and put aside a little bit of money each week until you make it.

4 Effective and Sensible Ways to Save Money - wikiHow

Remember to be realistic. Not Helpful 2 Helpful 9. I am a student in a university, living on student loans, how can I save money? A part-time job is your best bet. Remember to think of your skills when deciding which job to get. You might consider being a tutor for other students. Set aside anything you have leftover at the end of each month. How do I reduce my expenses to save money?

Use coupons and shop for sales, turn your lights off when not in use and unplug appliances to reduce your electric bill, and eat your meals at home instead of going out. Not Helpful 0 Helpful 1. My house rental needs repairs but my cash is short at this time. Is it best to do repairs to have it rented now, or do repairs with more amenities? Answer this question Flag as How can I save money and get a large amount of it quickly as a year old student? How do I save money when someone I know is in deep debt?

How can one establish a business which can later grow into a Company? Especially a financial mini company? Already answered Not a question Bad question Other. If this question or a similar one is answered twice in this section, please click here to let us know. Test Your Knowledge Save Money Quiz. Tips If you can't bring yourself to destroy all your credit cards, at least freeze them. Put them in a container, fill it with water, and stick it in a freezer.

That way, if you feel the urge to use credit, you have to wait until the ice melts, and during that time you may come to your senses and realize you don't really need to buy what you wanted to buy. If you get paid about the same amount on a regular basis, it'll get easier to budget your money over time. If you have a variable income, it'll be harder to anticipate your expenses because you won't know when's the next time you'll get paid.

List your budget categories in order of importance and fulfill the most important items first. Play it safe; assume it'll be a while before you get money again. Always over -estimate your expenses and under -estimate your income. Take care of your possessions. In this way, you'll need to replace items less. Also, don't replace items until it's absolutely necessary.

For instance, just because a motor in an electric toothbrush breaks doesn't mean it stops functioning as a toothbrush. Continue to use it, and when ready go buy a new one or check the warranty. Make purchases with paper money, not exact change, and always save the change.

Use a piggy bank or jar for your coins. Coins and change may look insignificant but when accumulated over time they can help you save. Some banks now offer free coin counting machines. When you redeem your coins, ask to be paid by check so you won't be tempted to spend your new found cash. If you receive unexpected cash, put all or most of it into your savings, but continue to set aside your regularly scheduled amount as well.

If you can afford to share things you have, from food to living space to appliances, try to do so. What goes around comes around when it's between close friends, soon enough, you'll find your friends doing the same, and everybody benefits. Enjoy the simple pleasures in life. During the Great Depression, people still had fun, just not lavishly expensive fun. Children had soapbox derbies, teenagers had dance contests, and everyone played Monopoly, did puzzles, read, and listened to the radio.

Get together to discuss philosophy or pray; play poker or make crazy quilt pillows; play instruments and dance. In those days, it took some imagination and ingenuity, but they had plenty of fun, and so can you. For example, repeat this affirmation to yourself until it sinks in: Debt is not an option. Most people can save something regardless of their income. Starting to save a little will help build the habit of saving. Even if you REALLY want something, ask yourself, do you REALLY need this?

More than half of the time it will be a big no. Every time you go to buy something think of the thing you are saving for and the rough percentage of your savings so far that the thing costs and quite often you won't buy it. Try to find at least one penny on the ground everyday. Put the money you find in a jar and see how fast it adds up! One important habit for saving is if you have a hobby, such as model airplanes, scrap-booking, dirt biking, scuba diving, etc.

Try doubling your matched funds! These savings plans will do two things: Save money regularly and quickly, and really show you how much you are spending on your hobby, when it costs you twice as much. Sharing accounts with friends and family like Netflix, HBO or YouTube Red is a good way to get premium services, at little the price. Warnings After a long week of working, you may want to indulge in some luxury, telling yourself, "I deserve this".

Remember that the things you buy are not gifts to yourself; they are trades, products for money. Say, "Of course I deserve this, but can I afford it? If I can't afford it, I'm still a worthy person, and I still deserve to meet my savings goals! You will only be tempted to spend money you cannot afford to lose. Only shop with a predetermined shopping list. Unless you're in truly desperate financial straits like 10 seconds from eviction and your three children are starving don't try to cut corners connected to health.

How Much Can I Give Per Year Without Having to Pay Tax — Oblivious Investor

If you do mess up don't beat yourself up about it. Just try to do better the next time you get paid. Article Info Featured Article Categories: Featured Articles Managing Your Money In other languages: Thanks to all authors for creating a page that has been read 6, times.

Did this article help you? Cookies make wikiHow better. By continuing to use our site, you agree to our cookie policy. About this wikiHow Expert Review By: Reader Success Stories Share yours! FG Felicia Greene Jun 6, It's so easy to be discouraged when a expense becomes higher than you expected.

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Sometimes one bill or emergency expense can send your budget out of control. MK Melaia Kapaiwai Nov 5, It has affected me tremendously. This article has helped me a lot in terms of savings and spending. Thanks so much, I'll start my saving, and I'll make it my business to save.

RS Rachel Somerson Apr 6. I already have planned to pay for it, but I didn't know how to bring it up. I decided to save up the money I spent, and I found this article. MD Mukete Daina Sep 22, Now I know I need to put important items first, like my health, in the budget. JS John Shamwarira Sep 28, I tried many times before, to no avail. SS Seidy Swerenger Jan I really want a violin before I go to high school so I can play it there.

JN Jenny Newson Nov 26, VA Veronica Adams Sep 19, SN Sam Nwalozie Apr Highly recommended for people who desire financial freedom. ML Minjae Lee Jul 20, SH Syed omer Hussaini May 1.

V Vicky Jun 15, HO Hindu Orishaba May 4, YM Yoimayai Maibam Jan MS Mary Santiago Jun 6, AW Adasia Watkins May 4, NN Ntombi Nkosi Jul 29, MJ Maani Jimenez Dec 31, HG Hector Garza Nov 4, MD Michelle Dodick Aug 1, MC Miss Carr Aug 2, KW Keyara Wroten Sep 29, LG Luis Guerra Jan J Jess Aug 28, EA Eseosa Andrews Jul 18, More stories All reader stories Hide reader stories. Home About wikiHow Jobs Terms of Use RSS Site map Log In Mobile view. All text shared under a Creative Commons License.